Legal claims defining the scope of protection. Each claim is shown in both the original legal language and a plain English translation.
1. An automated compliance scoring system that analyzes network accessible data sources comprising: an investment compliance policy definition that defines requirements for compliant investments comprising one or more of one or more prohibited activities; and, one or more required activities, wherein said investment compliance policy definition comprises one or more of an environmental, a social or a governance compliance policy definition, and a Shariah law compliance policy definition; a list of one or more investments, each investment of said one or more investments associated with an organization; and, a compliance analyzer coupled to said investment compliance policy definition, to said list of one or more investments, and to one or more data sources accessible via a computer network; wherein said compliance analyzer comprises a computer that is configured to search said one or more data sources for information on each organization associated with each investment of said one or more investments; analyze said information for evidence to determine an extent to which each organization complies with said investment compliance policy definition, and performs one or more of said one or more prohibited activities and said one or more required activities; and, transform each investment of said list of one or more investments into a compliance score that measures said extent to which said organization complies with said investment compliance policy definition and performs one or more of said one or more prohibited activities and said one or more required activities to form a list of compliance scores; wherein said compliance analyzer is further configured to categorize said one or more investments by their compliance scores, and generate a confidence rating for each compliance score; a compliance policy editor tool comprising a user interface with sharing and import capability, wherein said compliance policy editor tool is configured to accept input from an investment fund manager, and, create or modify said investment compliance policy definition based on said input; and, an investment compliance policy database coupled with said computer and said compliance policy editor tool; wherein said user interface comprises a categorized listing of compliance policy definitions in said investment compliance policy database, wherein said categorized listing of compliance policy definitions comprises one or more of said environmental, social or governance compliance policy definition, subdivided into requirements and prohibitions, and said Shariah law compliance policy definition subdivided into equity investments policies and bond investment policies, and one or more user interface screens; wherein said compliance policy editor tool is further configured to allow said investment fund manager to browse said compliance policy definitions shared via said investment compliance policy database using said one or more user interface screens, import an external investment compliance policy from said investment compliance policy database using said one or more user interface screens, one or more of create and edit said external investment compliance policy to form said investment compliance policy definition using said one or more user interface screens to customize said investment compliance policy definition for specific fund requirements specific to said investment fund manager, and, publish said investment compliance policy definition that is specific to said fund manager to said investment compliance policy database using said one or more user interface screens.
The automated compliance scoring system evaluates investments against predefined compliance policies, particularly focusing on environmental, social, governance (ESG), and Shariah law principles. The system addresses the challenge of ensuring investments align with regulatory and ethical standards by analyzing publicly accessible data sources. It includes a compliance policy definition module that outlines prohibited and required activities, such as ESG criteria or Shariah-compliant investment rules. A compliance analyzer searches network-accessible data for information on organizations linked to investments, assessing their adherence to the defined policies. The system generates compliance scores and confidence ratings for each investment, categorizing them based on their compliance levels. Additionally, a compliance policy editor tool allows investment fund managers to create, modify, and share compliance policies through a user interface. The interface organizes policies into categories like ESG (subdivided into requirements and prohibitions) and Shariah law (subdivided into equity and bond policies). Managers can browse, import, customize, and publish policies specific to their fund requirements, ensuring tailored compliance frameworks. The system integrates these policies into a centralized database for easy access and collaboration.
2. The system of claim 1 wherein said one or more prohibited activities comprise one or more of selling a prohibited product or service; doing business in a prohibited location or with a prohibited entity; and, polluting the environment.
3. The system of claim 1 wherein said one or more required activities comprise one or more of compliance with regulations; compliance with industry standards; enforcement of nondiscriminatory hiring policies; and, inclusion of outside directors in a governance structure.
4. The system of claim 2 wherein said prohibited product or service comprises one or more of alcohol, tobacco, firearms, weapons, and pornography.
5. The system of claim 1 wherein said one or more prohibited activities comprise lending of money for interest or borrowing of money for interest.
6. The system of claim 5 , wherein said compliance score comprises a comparison of an amount of interest-bearing debt of said organization to one or more thresholds.
7. The system of claim 6 , wherein said one or more thresholds comprise one or more of a fraction of total assets of said organization; a fraction of liquid assets of said organization, wherein said liquid assets comprise cash and receivables; a fraction of a market capitalization of said organization at a point in time; and, a fraction of an average market capitalization of said organization over a period of time.
8. The system of claim 1 wherein said one or more data sources comprise one or more of organization financial reports; filings with regulatory agencies; news feeds; product literature; and, organization websites.
9. The system of claim 1 wherein said analyze said information for evidence to determine the extent to which each organization performs said one or more prohibited activities comprises calculate from said information a percentage of revenue or a percentage of income earned by said organization from said one or more prohibited activities.
10. The system of claim 1 further comprising a database that is coupled with said computer and that associates each activity of said one or more prohibited activities with a list of words or phrases indicative of said activity; wherein said analyze said information comprises search said information for said words or phrases.
11. The system of claim 10 further comprising a database of synonyms for said words or phrases.
A system for natural language processing (NLP) and semantic analysis is designed to improve the accuracy of text interpretation by expanding the recognition of related terms. The system includes a database of synonyms for words or phrases, allowing it to identify and process variations of the same concept. This enhances the system's ability to understand and analyze text by recognizing synonyms, idiomatic expressions, and contextually similar terms. The database is structured to support rapid lookup and matching, ensuring efficient processing of large volumes of text. The system may also include a preprocessing module to standardize input text, such as converting to lowercase or removing punctuation, before synonym matching. Additionally, a scoring mechanism may be used to rank synonyms based on relevance or frequency of use, improving the precision of semantic analysis. The system is particularly useful in applications like search engines, chatbots, and document classification, where understanding diverse linguistic expressions is critical. By incorporating synonyms, the system reduces ambiguity and improves the accuracy of text-based operations.
12. The system of claim 10 wherein said database comprises industry classification codes.
13. The system of claim 10 wherein said analyze said information further comprises correlate appearances of said words or phrases in said information with a context of said appearances or crawl links that appear in said information and further analyze one or more targets of said links or both said correlate and said crawl links.
14. The system of claim 13 wherein said context comprises a section or subsection title, wherein said compliance analyzer assigns a weight to each of said words or phrases as an indicator of whether said organization complies with said investment compliance policy, wherein each of said weights is dependent on a section or subsection title in which said words or phrases appear, and wherein said compliance analyzer determines an aggregate weighted score from each of said weights for each of said words or phrases into a categorical compliance rating for said organization to yield a compliance rating for said organization.
15. The system of claim 1 further comprising an investment purifier coupled to said list of one or more investments and to said compliance analyzer and configured to transform at least one investment of said list of one or more investments into a compound investment that bundles a charitable contribution with said at least one investment.
This system operates in the domain of financial investment management, specifically addressing the need to integrate charitable contributions with investment portfolios while ensuring compliance with regulatory requirements. The system includes a compliance analyzer that evaluates investment options against legal and regulatory standards, ensuring that selected investments meet necessary criteria. Additionally, the system features an investment purifier that modifies at least one investment in a portfolio by bundling it with a charitable contribution, creating a compound investment. This compound investment combines financial returns with philanthropic impact, allowing investors to align their portfolios with both financial and social goals. The investment purifier operates in conjunction with the compliance analyzer to ensure that the modified investments remain compliant with applicable regulations. The system thus provides a mechanism for investors to optimize their portfolios for both profitability and charitable impact while maintaining adherence to legal standards. This approach addresses the challenge of balancing financial performance with ethical considerations in investment strategies.
16. The system of claim 15 , wherein an amount of said charitable contribution is substantially equal to an amount of income earned by said at least one investment from said one or more prohibited activities.
17. The system of claim 1 wherein said one or more user interface screens comprise an import button and an editing screen.
18. The system of claim 17 wherein said editing screen comprises multiple tabs or sections and a series of checkboxes for a plurality of products and services to allow said fund manager to determine and select which products and services of said plurality of products and services should be prohibited for a particular investment of said list of one or more investments as said one or more prohibited activities via said multiple tabs or sections and said series of checkboxes.
19. The system of claim 18 wherein said editing screen further comprises a capability tool to edit words and phrases associated with products and services determined as prohibited for said particular investment as said one or more prohibited activities, a slider to control sensitivity of a detection algorithm for said prohibited products and services using said words and phrases, a save button to save changes to the investment compliance policy definition, and, a publishing button to publish said investment compliance policy definition to said investment compliance policy database.
20. An automated compliance scoring system that analyzes network accessible data sources comprising: an investment compliance policy definition that defines requirements for compliant investments comprising one or more of one or more prohibited activities, comprising one or more of selling a prohibited product or service, wherein said prohibited product or service comprises one or more of alcohol, tobacco, firearms, weapons, and pornography, doing business in a prohibited location or with a prohibited entity, polluting the environment, lending of money for interest, and, borrowing of money for interest, and, one or more required activities, comprising one or more of compliance with regulations, compliance with industry standards, enforcement of nondiscriminatory hiring policies, and, inclusion of outside directors in a governance structure, wherein said investment compliance policy definition comprises one or more of an environmental, a social or a governance compliance policy definition, and a Shariah law compliance policy definition; a list of one or more investments, each investment of said one or more investments associated with an organization; and, a compliance analyzer coupled to said investment compliance policy definition, to said list of one or more investments, and to one or more data sources accessible via a computer network; wherein said one or more data sources comprise one or more of organization financial reports; filings with regulatory agencies; news feeds; product literature; and, organization websites; wherein said compliance analyzer comprises a computer that is configured to search said one or more data sources for information on each organization associated with each investment of said one or more investments; analyze said information for evidence to determine an extent to which each organization complies with said investment compliance policy and performs said one or more of one or more prohibited activities and said one or more required activities; and, transform each investment of said list of one or more investments into a compliance score that measures said extent to which said organization complies with said investment compliance policy definition and performs one or more of said one or more prohibited activities and said one or more required activities to form a list of compliance scores; an investment purifier coupled to said list of one or more investments and to said compliance analyzer and configured to transform at least one investment of said list of one or more investments into a compound investment that bundles a charitable contribution with said at least one investment, wherein said charitable contribution equals an amount of income earned by said at least one investment from said one or more prohibited activities; a compliance policy editor tool comprising a user interface with sharing and import capability, wherein said compliance policy editor tool is configured to accept input from an investment fund manager, and, create or modify said investment compliance policy definition based on said input; and, an investment compliance policy database coupled with said computer and said compliance policy editor tool; wherein said user interface comprises a categorized listing of compliance policy definitions in said investment compliance policy database, wherein said categorized listing of compliance policy definitions comprises one or more of said environmental, social or governance compliance policy definition, subdivided into requirements and prohibitions, and said Shariah law compliance policy definition subdivided into equity investments policies and bond investment policies, and one or more user interface screens; wherein said compliance policy editor tool is further configured to allow said investment fund manager to browse said compliance policy definitions shared via said investment compliance policy database using said one or more user interface screens, import an external investment compliance policy from said investment compliance policy database using said one or more user interface screens, one or more of create and edit said external investment compliance policy to form said investment compliance policy definition using said one or more user interface screens to customize said investment compliance policy definition for specific fund requirements specific to said investment fund manager, and, publish said investment compliance policy definition that is specific to said fund manager to said investment compliance policy database using said one or more user interface screens.
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January 26, 2021
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